基于食品安全视角的强制责任保险构建
关键词：强制保险； 食品安全； 第三者责任
Abstract
Recently, there were so many accidents occurring in our country, most of which were related with the food safety problem. The right of the customers can’t get timely protection, and the following treatment and life can’t be guaranteed. The effect can also spread to the operation of the factory and the daily life of the employees. The high frequency of food safety problem and the great loss indicates the potential demand for the management of food safety liability insurance. The insurance industry in our country also needs urgently cultivating the new market to improve the business structure, upgrading. the operating effect, to enhance the development level of the whole industry. Liability insurance can disperse the insured risk and reduce social costs and the burden of government responsibility, which plays a positive role in promoting social harmony. Under present circumstances of serious food safety problems, the studies on food safety liability insurance are important. And ordinary food safety insurance cannot meet the extremely high demand of the market, so compulsory liability insurance system of food safety emerged as the times required. The previous cases of a number of types of compulsory liability insurance such as compulsory automobile liability insurance indicates that such system is not only effectively scatter indemnity risks of anyone who cause food accident, but also make assurance of covering the victim’s losses and guarantee his legal rights and interests. liability insurance was an important means for the government to fulfill their social functions. The law also establishes the legal system of liability insurance in China. This paper, we discussed the implementation environment of the food safety liability insurance, the conditions that the government carried out the compulsory insurance on, how to implement food safety to explore mandatory liability insurance, and proposed the recommendations.
Key Words：Compulsory insurance； Food safety； The third party liability
目 录
摘 要I AbstractII
一、绪论1
（一）研究背景1
二、保险在食品安全责任中的作用2
（一）保险对受害第三者的经济给付2
（二）保险是社会的“稳定器” 3
三、食品安全强制责任保险构建的必要性和可行性3
（一）食品安全责任保险的现状及其运行中的阻碍3
（二）强制责任保险与普通责任保险的不同 4
（三）食品安全强制责任保险构建的必要性 4